Where do Live Oak Bancshares's ratios come from?

Every ratio is computed from Live Oak Bancshares's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Live Oak Bancshares LOB Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	18.4%+2.6pp	15.9%-0.6pp	16.4%-14.7pp	31.2%-5.4pp
Free cash flow margin	25%+3.0pp	22%—	——	-60.9%—
Returns
Return on equity	9.4%+1.3pp	8.1%-0.5pp	8.6%-14.5pp	23.1%-2.9pp
Return on assets	0.8%+0.1pp	0.6%-0.1pp	0.7%-1.3pp	2%-0.1pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0.1×0.0×
Leverage
Debt-to-equity	0.1×0.0×	0.1×+0.1×	0×-0.1×	0.1×-0.3×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Valuation
Market capitalization	$1.58B-11.9%	$1.79B-11.8%	$2.03B+52.5%	$1.33B-64.9%
Enterprise value	$814.95M-37.0%	$1.29B-11.9%	$1.47B+47.3%	$997.45M-74.5%
Price / earnings	14.9×-8.2×	23.1×-4.3×	27.4×+19.9×	7.5×-15.1×
Price / sales	2.7×-0.9×	3.7×-0.8×	4.5×+2.2×	2.3×-5.9×
Price / book	1.3×-0.5×	1.8×-0.5×	2.2×+0.6×	1.6×-3.7×
EV / sales	1.4×-1.2×	2.6×-0.6×	3.3×+1.5×	1.8×-6.8×
Free cash flow yield	9.1%+3.1pp	6%—	——	-25.9%—
Earnings yield	6.7%+2.4pp	4.3%+0.7pp	3.6%-9.6pp	13.3%+8.9pp
Dividend yield	0.3%0.0pp	0.3%0.0pp	0.3%-0.1pp	0.4%+0.3pp
PEG ratio	0.4×-4.4×	4.8×—	——	1.4×+1.2×

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Questions, answered.

Where do Live Oak Bancshares's ratios come from?: Every ratio is computed from Live Oak Bancshares's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.